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Finally Debt Free After 34 Years, But Still Need to Live Frugally

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  • EssexHebridean
    EssexHebridean Posts: 24,615 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HH I'm just catching up - loving the sound of all your book rearrangement! Nice when something like that creates more space isn't it! I also get what you mean about the behaviour of others making you anxious too - I've been feeling a bit the same way, and getting quite cross when people ignore the distancing thing too. Ironically I'm in shops more at the moment than I wpoud usually be as well as I'm doing Mum & Dad's shopping once a week - using the car - but then we are also doing our own of course but deliberately NOT using the car for that so rather than the once a week shop we would usually do for ourselves we're going several times. Because I have to use the car for Mum's stuff it feels wrong to use it a second time for ours as well so that's the compromise to be made I guess.

    Also loving the chat about various different sorts of activity for keeping fingers and minds busy - I must find my crochet hooks! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • doingitanyway
    doingitanyway Posts: 10,305 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Well done with the 2 £20 notes :)
    I know what you mean about the supermarket and not everyone social distancing. I also wear a mask and gloves when shopping. Gearing myself to go to the PO tomorrow. Hopefully there will not be a queue...
    Well done on the book sorting too.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Willowtree222
    Willowtree222 Posts: 8,284 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sounds like a mostly productive day. Hope that you have a nice relaxing evening. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • beanielou
    beanielou Posts: 96,473 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news ohn the £20 :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    Sunshine_girl2 said:
    Very  productive day you have had HH. I had to call to Mr M today for a neighbour . I feel like I am in the dodgems , all the moving and circling I do. Good to hear the bookcase had gone out of your lounge, more room for you to move about. 
    Thanks Sunshine :). It shouldn't be that hard to avoid people should it?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 6 April 2020 at 8:35PM
    EssexHebridean said:
    HH I'm just catching up - loving the sound of all your book rearrangement! Nice when something like that creates more space isn't it! I also get what you mean about the behaviour of others making you anxious too - I've been feeling a bit the same way, and getting quite cross when people ignore the distancing thing too. Ironically I'm in shops more at the moment than I wpoud usually be as well as I'm doing Mum & Dad's shopping once a week - using the car - but then we are also doing our own of course but deliberately NOT using the car for that so rather than the once a week shop we would usually do for ourselves we're going several times. Because I have to use the car for Mum's stuff it feels wrong to use it a second time for ours as well so that's the compromise to be made I guess.

    Also loving the chat about various different sorts of activity for keeping fingers and minds busy - I must find my crochet hooks! 
    Thanks EH :). It's tiring, but lovely to get some more books out of boxes and into a bookcase so that I can see what I've got and enjoy reading them again.

    It is very frustrating when people come so close, It's their choice if they risk their own life but I don't want them to risk mine 😡.

    I wouldn't feel guilty about using the car for your own shopping as buying food for your parents is a very legitimate reason to be out and about.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 6 April 2020 at 8:36PM
    doingitanyway said:
    Well done with the 2 £20 notes :)
    I know what you mean about the supermarket and not everyone social distancing. I also wear a mask and gloves when shopping. Gearing myself to go to the PO tomorrow. Hopefully there will not be a queue...
    Well done on the book sorting too.
    Thanks DIA :). It was a stroke of luck getting free money and will help to pay for our next food shop :). I wish people would get it with the social distancing, it's like they've got a death wish 😡.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Nicnak said:
    Sounds like a mostly productive day. Hope that you have a nice relaxing evening. x
    Thanks Nicnak :)

    beanielou said:
    Good news ohn the £20 :)
    Thanks Beanie :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    mummytogirls said:
    Morning HHOD,
    Sounds like yesterday's nightmare shop was worth it in the end. Busy day for you! When im moving books and things around I use a washing basket as its so much easier!!
    Hope you have a lovely Tuesday xx
    Thanks MTG :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
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